Friday, April 10, 2020

YOU KNOW TRUCKING; YOUR INSURER SHOULD, TOO - Truck Insurance In The United States of America

You should also look into an insurance company’s reputation. For one, you want to make sure an insurer is reputable, and will be there for you when you have a loss. Beyond that, you want to make sure that the insurer fully understands the trucking business and the types of accidents and losses that can happen.

What are the types of trucker accidents? 
Failure to do so can result in higher costs and even lost time for you after an accident.

Imagine you are involved in an incident that results in a diesel fuel spill. If your insurer has experience dealing with trucking losses, it can send a claims adjuster who understands the process for cleaning up that spill.

The adjuster will make sure the proper steps are followed so that the loss is handled quickly and effectively. Insurers unfamiliar with trucking may leave it up to local law enforcement to manage the cleanup, which can be far more expensive. A larger loss for you can result in more expensive premiums when you renew your insurance.

If you suffer a cargo loss, your insurer should be able to send experts who can make sure anything still usable after the accident is transferred safely. If your truck is damaged, your insurer should understand the dynamics of tractor trailer physical damage repair so you can get back on the road quickly. 
Once you find an insurer that understands your business, make sure that company puts its knowledge to work for you. It’s great if your insurance company understands how to properly handle your claim after an accident, but if that company only allows you to report the claim on weekdays during business hours, you still run the risk of an after-hours accident that is not immediately addressed becoming very expensive.